United Recovery Systems....

[Anonymous]

Anyone heard of them?  They have made 2 hard inquires on my Experian Report.  Under comments it says:  Collection purpose.  This inquiry is scheduled to continue to record until Jan. 2010.  The dates they were pulled were 12/06/07 and 12/20/07.

From what I have read on here, collection agencies are not allowed to pull hard inquiries.  What do I do next?  I also found the following link online about them:

http://householdwatch.com/wp/2005/03/01/united-recovery-systems

Thanks for any info you can give.

[Anonymous]

well the concensus is ca's do have pp to pull.

question first. do you have a collection account or accounts listed by them? this would didctate what type of response is better for you.

[Anonymous]

Nope, nothing in the report.

[Anonymous]

in that case i would send a non pp letter.

[fused]

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dnm45227 wrote:

well the concensus is ca's do have pp to pull.

question first. do you have a collection account or accounts listed by them? this would didctate what type of response is better for you.

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No consensus in the forums yet! Even the mods at this site can't agree...

- one group of mods says YES CAs do have PP

- while another group of mods says CAs never have PP

-  and the third group say it depends on certain factors

I moved from group #2 to #3

[Anonymous]

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fused wrote:

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dnm45227 wrote:

well the concensus is ca's do have pp to pull.

question first. do you have a collection account or accounts listed by them? this would didctate what type of response is better for you.

---

No consensus in the forums yet! Even the mods at this site can't agree...

- one group of mods says YES CAs do have PP

- while another group of mods says CAs never have PP

-  and the third group say it depends on certain factors

I moved from group #2 to #3

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ok, then maybe the last thread i read was composed of group #1 types? guess i'll try and stay as neutral as switzerland until the final outcome of the civil war.

[Anonymous]

Some say they do & some say they do not....IMO  they do NOT have PP

send this letter to the address on your CR    make changes where needed & do NOT sign it!

This DOES NOT go to any CRA!!!!!  only CA

Non-PP Puller Company
Address
City State Zip Code

To Whom It May Concern:

I have noticed that you have placed an inquiry on my _________ credit file dated ________. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC § 1681n(a)(1)(B) for an entity to view a consumer’s credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

[Describe any additional details about the inquiry here if need be. For example, your a subscriber to XXXX monitoring service and XXXX company pulled a "hard inquiry" on one of your reports.]

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC §1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;"

You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my __________ file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.

Please contact me immediately at the address listed below.

Sincerely,

Consumer
Address
City State Zip Code

[fused]

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dnm45227 wrote:

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fused wrote:

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dnm45227 wrote:

well the concensus is ca's do have pp to pull.

question first. do you have a collection account or accounts listed by them? this would didctate what type of response is better for you.

---

No consensus in the forums yet! Even the mods at this site can't agree...

- one group of mods says YES CAs do have PP

- while another group of mods says CAs never have PP

-  and the third group say it depends on certain factors

I moved from group #2 to #3

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ok, then maybe the last thread i read was composed of group #1 types? guess i'll try and stay as neutral as switzerland until the final outcome of the civil war.

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When I say it depends, it really involves one issue that I have been researching. If a collection account is old (past the 7 years from DOFD) and falls off a report, it's my understanding that CAs cannot place a hard inq on any report because it's past reporting SOL (not legal SOL). I'm going to try and find this source and post it in the forums. However, CAs have PP to do a hard inq for the purposes of collecting a debt while the collection is still reporting.

[MidnightVoice]

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fused wrote:

When I say it depends, it really involves one issue that I have been researching. If a collection account is old (past the 7 years from DOFD) and falls off a report, it's my understanding that CAs cannot place a hard inq on any report because it's past reporting SOL (not legal SOL). I'm going to try and find this source and post it in the forums. However, CAs have PP to do a hard inq for the purposes of collecting a debt while the collection is still reporting.

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That seems logical, but it makes so much sense that I can't believe it is the law